24th Jun 2010
Take No Chances with Temporary Car Insurance
Temporary car insurance, as the name implies, is very different from your regular automobile insurance policy. While the coverage and deductibles are often similar or identical to your existing policy, the amount of time the vehicle will be covered is pre-determined at the time the policy is written and will expire on a fixed date.
Almost all car rental companies require at least a minimum insurance policy for the automobile they are supplying that meets the minimum standards for the state in which they operate. Often, these policies are much more expensive than a policy you could obtain on your own. Additionally, the policies will sometimes only cover you as the driver and, if you are traveling with a friend or family member who will share the driving responsibilities with you, a separate or more expensive multi-driver policy will need to be purchased. If you are purchasing a new car out of state and intend to drive it back to your home, you will need to insure it on a short term car insurance basis until you have returned and can legally register it in your home county.
In any event, when a temporary policy is needed, it is often best to contact the company that you carry your regular car insurance policy with and inquire with them as to what kind of temporary car insurance is available from them. Dealing with your regular insurer is almost always best as they can streamline the application process by filling in the information that is already known to them because of your existing relationship. They can also usually attach a rider to your existing automobile policy that will cover the new vehicle, which will be less expensive than an independent policy. One of the best companies for this type of policy is Columbus Auto Insurance however you’ll find 100′s more just by searching the net.
Temporary policies can be purchased for as little as a day or two for a weekend rental car or as long as six months for extended vacation or a summer-only vehicle
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